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Bank of America® Customized Cash Rewards Credit Card: Spend $1,000 or more on purchases in the first 90 days of account opening to earn a $200 Cash Rewards Bonus

+57 Deal Score
269,229 Views
Bank of America is offering a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening with their Bank of America® Customized Cash Reward credit card. No Annual fee.

Card Details:
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.


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in Credit Cards (2) Bank of America - Bank Advertiser
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Deal
Score
+57
269,229 Views
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

223 Comments

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Joined Jan 2007
L10: Grand Master
> bubble2 28,289 Posts
2,718 Reputation
cgigate
11-14-2023 at 07:32 PM.
11-14-2023 at 07:32 PM.
Quote from incept :
Same. Had this card and about $300 in reward dollars. BOA closed the account and kept the reward money because the account was inactive during the pandemic. F BOA.

BofA closes your account for two years inactivity. This should be ok
Reply
Joined Mar 2011
L4: Apprentice
> bubble2 352 Posts
168 Reputation
jetnet
11-15-2023 at 09:17 AM.
11-15-2023 at 09:17 AM.
Quote from arooni :
Can I downgrade a BofA Alaskan Airlines credit business credit card to this when the next annual fee posts?

A downgrade card will not qualify the new account bonus
1
Reply
Joined Mar 2018
New User
> bubble2 2 Posts
10 Reputation
DavidP6704
11-15-2023 at 09:23 AM.
11-15-2023 at 09:23 AM.
They promoted $200 cashback 5-6 years ago, after inflation, it's still $200 lol, what a joke.
1
1
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Joined Mar 2011
L4: Apprentice
> bubble2 352 Posts
168 Reputation
jetnet
11-15-2023 at 12:51 PM.
11-15-2023 at 12:51 PM.
Quote from DavidP6704 :
They promoted $200 cashback 5-6 years ago, after inflation, it's still $200 lol, what a joke.

Is any free annual fee card better than the $200 bonus?
Reply
Joined Jul 2010
Expert
> bubble2 3,967 Posts
873 Reputation
mitchflorida
11-15-2023 at 01:03 PM.
11-15-2023 at 01:03 PM.
Quote from jetnet :
Is any free annual fee card better than the $200 bonus?
US Bank has a card that pays $500 for $2000 purchases. No fee the first year.
Reply
Joined Jul 2015
Noobster
> bubble2 1,046 Posts
82 Reputation
arooni
11-15-2023 at 03:03 PM.
11-15-2023 at 03:03 PM.
Quote from jetnet :
A downgrade card will not qualify the new account bonus
I just really wanted the 5.25% this gives you with the right status
Reply
Joined Sep 2017
L2: Beginner
> bubble2 95 Posts
224 Reputation
Pro
migdigital
11-15-2023 at 03:18 PM.
11-15-2023 at 03:18 PM.
If preferred, based on category selection that give 3%, plus 1% for all purchases, total percentage of cash back is 5.257 after 75% boosting cash back. Categories range from Online Purchases to Home Improvement and Travel to mention some.
Three down sides: 1) limit up to purchase value of $2,500 per quarter. 2) Dispute of of purchase is not friendly as would be compared to Chase CC. 3) You can change category once a month.
Reply
Last edited by migdigital November 15, 2023 at 03:20 PM.

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Joined Mar 2005
L4: Apprentice
> bubble2 432 Posts
38 Reputation
nrg
11-17-2023 at 02:12 PM.
11-17-2023 at 02:12 PM.
Quote from DavidP6704 :
They promoted $200 cashback 5-6 years ago, after inflation, it's still $200 lol, what a joke.
who else has a bigger cash back?
inflection is fixed if you just make more money Smilie
Reply
Joined Dec 2019
L3: Novice
> bubble2 284 Posts
177 Reputation
Wall-e_o7
11-24-2023 at 01:29 PM.
11-24-2023 at 01:29 PM.
Quote from OldwestGambler :
I've had this card for years and really like it. I constantly get about $60 to $150+ back monthly with normal shopping and I don't pay anything for using other bank's ATM's as a preferred client. I also like being able to pay my balance to zero a few times a month. My other card won't allow that. It's also great card to have for Merrill Lynch customers, too.
I don't have a card or account with this bank. What are the requirements to be a preferred member?
Reply
Joined Mar 2019
L3: Novice
> bubble2 227 Posts
34 Reputation
KevinC19
11-24-2023 at 01:43 PM.
11-24-2023 at 01:43 PM.
Quote from Wall-e_o7 :
I don't have a card or account with this bank. What are the requirements to be a preferred member?

If you want the the full 75 percentage bonus u must maintain 100k across checking, savings and investment accounts with boa and merril edge
Reply
Joined Dec 2019
L3: Novice
> bubble2 284 Posts
177 Reputation
Wall-e_o7
11-24-2023 at 01:53 PM.
11-24-2023 at 01:53 PM.
Quote from KevinC19 :
If you want the the full 75 percentage bonus u must maintain 100k across checking, savings and investment accounts with boa and merril edge
Thank you. My Money is tied up in the Capital One Preferred savings account promo right now for new accounts at 20,000+, 50,000+, 100,000+ but definitely appreciate the information. Capital One 360 Performance Savings Account: Earn Up to $1500 Bonus Funds w/ 4.3% APY (slickdeals.net)
Reply
Joined Jun 2008
L3: Novice
> bubble2 183 Posts
18 Reputation
jaykobe
11-24-2023 at 06:37 PM.
11-24-2023 at 06:37 PM.
Quote from fmo :
FYI there is a fee on foreign currency purchases just in case anyone was wondering.

For me it was 3% foreign transaction fee, negating the cash back, but now it is just a notice of foreign transaction without a fee. So 3% cash back on online shopping (excludes education, medical bills, and some gym payments through online portals).
Reply
Joined Jun 2008
L3: Novice
> bubble2 183 Posts
18 Reputation
jaykobe
11-24-2023 at 06:39 PM.
11-24-2023 at 06:39 PM.
I have this card through my alma mater, so it has a special image and donates a small fraction back to the school.
Reply
Joined Dec 2008
L7: IT Consultant
> bubble2 3,168 Posts
697 Reputation
missellie
11-24-2023 at 09:39 PM.
11-24-2023 at 09:39 PM.
Quote from Wall-e_o7 :
I don't have a card or account with this bank. What are the requirements to be a preferred member?
Here are the different levels & benefits. https://www.ml.com/solutions/pref...wards.html
1
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Joined Oct 2009
L3: Novice
> bubble2 196 Posts
77 Reputation
gundam83
11-24-2023 at 10:04 PM.
11-24-2023 at 10:04 PM.
Quote from LukeT9361 :
this is the only card I've ever had where their dispute process wouldn't even cover a stolen card

I love this card but I had the same issue. Well they were the one that alerted me to suspicious transactions, I made the claims and they initially credited me, but then reversed the credit and stated that they did not find fraudulent activities after their "investigation". I had to send Google maps location data to show them I was nowhere near Los Angeles where the charges occurred. Literally faxed them printouts. Fortunately they reversed their decison. I've never had to do that with any other cards. It's usually no questions asked.
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